Emergency! Emergency!

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This is the first step in risk management and also the first step in building a sound financial plan for any individual. Once a person’s risks are covered, he can safely plan for his goals. If risks are not covered and he plans for his goals of life right away, then all of his savings accumulated to meet the goals will get wiped out if any untoward incident occurs.

What is contingency planning? How to go about it?

Contingency planning can well be termed as saving for a rainy day. It is planning for any emergency that might be lurking round the corner. A contingency fund or emergency fund has to be prepared to meet any emergency. Predicting how much would be enough for such situations is always difficult.

How to calculate a contingency plan?

Each one of us prepares a monthly budget wherein we list the items and the expenses against them. From the list of expenses, a person needs to distinguish them as mandatory expenses and voluntary expenses. Mandatory expenses are those that are supposed to be met ‘come what may’. EMIs, insurance premium, grocery and utility bills, etc fall under this category. Voluntary expenses are those which can be avoided during bad times. Going on a vacation, eating out or going for movies fall in this category.

Begin by preparing a cash flow statement. List all the  mandatory expenses. Break down mandatory expenses further into fixed mandatory expenses like loan EMIs, insurance premium, rent, etc and variable mandatory expenses like grocery expenses, transportation expenses, electricity bills, phone bills, etc. These are expenses which vary from month to month.
From the exemplary table, the yearly expenditure comes to Rs 3,53,072. Hence, the monthly expenditure equals Rs 29,423. The contingency or emergency fund should consist of amount equal to three months of a person’s mandatory expenses. Hence the amount a person needs to keep aside is Rs 88,269 (Rs 29,423*3).

Why consider three months?

Research has shown that generally three months are enough for an individual to come out of any catastrophe. If a person is retired then he needs to keep aside at least six months of mandatory expenses. So the above figure will come to Rs 1,76,538 (Rs 29,423*6). This amount definitely seems difficult to keep as contingency. This fund can be raised slowly. The fund should be bifurcated in the following manner: Cash In Hand: The amount to be set aside in cash is called as cash in hand. From the above example, the person should keep aside Rs 15,000 as cash in hand. Savings Account: A part of the fund should be kept in a savings account and should be easily accessible through an ATM. From the above example, Rs 20,000 should be
available in a person’s savings account at all time. Liquid Fund/ Bank Fixed Deposit: The balance amount in this case which is Rs 53,269 can either be invested in liquid funds or in a bank fixed deposit. Since a person can also earn returns, it will be safe and easily redeemable. If saving this amount seems difficult, begin by keeping aside small amounts every month. The above amount is for an emergency and not for daily needs. As and when one withdraws the amount from this fund, he must remember to replenish the fund.

Once the first step of contingency planning is covered, move on to the second step - insurance planning. It is the second step of a sound financial plan and risk management. Insurance is planning for any untoward incidents in an individual’s life. Remember to have a life insurance cover for the earning member of the family and a health insurance cover for every member of the family. Once the above two are in place, the risk is covered. A person cannot predict when a crisis might strike but he can at least prepare himself for such unforeseen events.

Thanks to Nirmal Bang Beyond the Market

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How to find IMEI number of your China mobile is authentic ?

The GSM logo is used to identify compatible ha...

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The IMEI (International Mobile Equipment Identity) number is on all GSM and UMTS mobile phones. But your China mobile may bear no IMEI or fake IMEI number. To check the originality of your IMEI number, first you need to find the IMEI number. Indian Government is planning to ban these type of mobiles.

Steps for finding IMEI number

  1. Ensure your phone is powered on.
  2. Return to the "idle" screen, or your "desktop". If you were in the middle of a call, end it, and clear any numbers you pressed while making that call.
  3. Press the following keys one by one: * # 0 6 #
  4. As you press on the last #, a number will appear with the title, IMEI number, or similar.

How to check authenticity of your IMEI Number?

Visit this link and you can check the information about your your IMEI number.

Through SMS

To verify the IMEI number one can send a message “IMEI to 53232
For eg, IMEI 351869910223340 to 53232
Message displayed for correct IMEI – Success!!
Message displayed for incorrect IMEI – Alert!!! Invalid IMEI

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Research and Study

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Why Study Abroad?
Dr.MM Dwyer and CK Peters in their article “The Benefits of Study abroad” have confirmed significant gains that quantifiable in percent terms.
Personal Growth
Increased self-confidence
Served as a catalyst for increased maturity
Has had a lasting impact on world view
Academic Commitment
Enhanced interest in academic study
Influenced subsequent educational experiences
Reinforced commitment to foreign language study
Intercultural Development
Helped me better understand my own cultural values and biases
Influenced me to seek out a greater diversity of friends
Continues to influence interactions with people from different cultures
Career development
Acquired skill sets that influenced career path
Ignited an interest in a career direction pursued after the experience


2009 CGS International Graduate Admissions Survey, Phase III: Final Applications and Initial Offers of Admission consisted of all 504 U.S. colleges and universities survey results reveal that offers of admission to prospective graduate students from India fell 14% in 2009, following a 2% decline in 2008, and increases of 9% in 2007 and 26% in 2006 but offers of admission to prospective students from China continued to increase in 2009, with a 17% gain; this is the fourth consecutive year of double-digit growth.
Indian students are finding it difficult to get admitted in US colleges
Significant budgetary shortfall for US universities
Lack of Focused preparation towards US colleges
Lack of Availability of Scholarships
Lack of Guidance for the students
What we are offering?
A prestigious graduate scholarship namely “TATA FELLOWS” to study abroad for VETERINARY, AGRICULTURE AND ALLIED FIELD students. For Details contact me.


Source : Email received from my friend Dr.D. Suresh

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Send attachments while offline : Gmai Lab

One of the most requested features for Offline Gmail has been the ability to include attachments in messages composed while offline. Starting today, attachments work just the way you would expect them to whether you are online or offline (with the exception that when you're offline you won't be able to include inline images). Just add the attachment and send your message.

If you have Offline Gmail enabled, you'll notice that all your mail now goes through the outbox, regardless of whether you're online or offline. This allows Gmail to capture all attachments, even if you suddenly get disconnected from network. If you're online, your mail will quickly be sent along to its destination.

If you haven't tried offline access yet, visit the Labs tab and follow these instructions to get started:
  1. Select Enable next to Offline Gmail.
  2. Click Save Changes.
  3. After your browser reloads, you'll see a new "Offline" link in the upper righthand corner of the Gmail page, next to your username. Click this link to start the offline set up process and download Gears if you don't already have it.

This post is written by R.John Christy for

Max India , Target Rs.295 : Sharekhan

"Still Life #30," Tom Wesselmann, Ap...

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Max India
Cluster: Emerging Star
Recommendation: Buy
Price target: Rs295
Current market price: Rs212
Value Maximiser

Key points

  • A unique investment proposition: Max India is a unique investment opportunity providing direct exposure to two sunrise industries of insurance and healthcare services. Max New York Life (MNYL), its life insurance subsidiary, is among the leading private sector players, has gained the critical mass and enjoy some of the best operating parameters.

  • Insurance?the key value contributor: MNYL, a 74:26 JV between Max India and New York Life, is the seventh largest insurance player with a market share of 5.2% and an extremely healthy NBAP margin of 21% (in FY2009). It is differentiated from its peers by its focus on traditional products, relatively low dependence on ULIPs, a highly productive agency network and high persistency rates. In our SOTP valuation of Max India, MNYL contributes Rs263 a share based on the appraisal value method.

  • Healthcare?aggressive expansion plans: Max Healthcare has presence across the healthcare delivery value chain, addressing the primary, secondary and tertiary care needs of patients. The company plans to increase its capacity to around 1,800 beds by 2011. We value the healthcare business of Max India based on the EV/EBITDA method and the business contributes Rs20 a share to our SOTP valuation.

  • Other business?aids cash flow: Max India also has a biaxially oriented polypropylene (BOPP) facility running at full capacity of 29,000TPA. It is in the process of expanding its production capacity for BOPP films to 49,000TPA by the end of the next financial year. The specialty product business contributes Rs12 a share to our SOTP valuation, based on the price-to-sales ratio valuation method.

  • Valuation?price target of Rs295: Apart from the above mentioned business, the company is looking at investing and building other businesses, including clinical research and general insurance, that would add to its valuations in the coming years. Moreover, the possible hike in the foreign direct investment (FDI) limit for the insurance companies and the expected public offerings by the private insurance players are two likely triggers for the re-rating of the stock. We initiate coverage on Max India with a Buy rating and a price target of Rs295.

For Full Report, Please Click here

Source : Sharekhan Research Report

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Online complaint lodging facility from Tamil Nadu Police

Internet - Good Or Bad?

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Crimes are increasing day by day. Cyber crimes are also increasing with the advancement of new age technologies. For easy and convenient lodging of complaints, Tamil Nadu Police has designed a website. To lodge a complaint, Please Click here.    Women can also lodge cyber crimes through phone by calling 1091 ( Chennai).

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Exit Telecom Stocks

My wireless carrier in India, Airtel, has crum...

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We once again reiterate that the investors should exit from Indian Telecom stocks. To quote from our post  published on 05.10.2009  ( Very next day Telecom stocks started tumbling)

“First time in the history of Indian Telecom sector, ARU (Average Revenue per User) falls below Rs.200. Voice services are no longer remunerative. Number portability would put more pressure on profitability on existing players. 3G services may not see the day light in the near future. Raja may not be the King in this time. TRAI may advice all the players to offer “ per second billing” to it’s customers. This alone shave 20% of voice call profitability. This time lobbying may not help one or two companies alone or rescue laggards.

We advice long-term investors  to exit Indian Telecom stocks including Bharathi and RCOM. Difficult times ahead.”

Number portability would be come in to force  from January 2010 and the cost to the subscriber is only Rs.19. We expect lot of churning in the highly lucrative “Post Paid” segment. This would again put huge pressure on margins. Already “roaming charges” started to tumble. There are news that TRAI is going to regulate “SMS” charges. Telecom companies are literally cheating customers and deriving super-normal profit that too with out paying any licence fees. This would soon going to end. If BSNL goes ahead with 30paisa/video (3G calls) calls, Telcom operator may not get windfall profits from 3G also. Next few years would be very difficult even for cash positive Bharati. Damage is already done. Exit all Telecom stocks. Bargain hunting in the Telecom space may be injurious to your wealth.

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Buy Cipla and Vijaya Bank

Vijaya Bank

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BUY Cipla Ltd

Start Price: 322.55  |  Target: 345.00  |  Last Trade: 322.50  

BUY Vijaya Bank

Start Price: 55.00  |  Target: 59.00  |  Last Trade: 54.95  |

Above are my latest stock recommendations published in Stockezy. They are delivery picks valid for one month.

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Google Apps highlights – 11/20/2009

Official Google Blog: Google Apps highlights – 11/20/2009

Green Robot icon in Gmail Labs
The green, orange and red chat bubbles in Gmail signal if your contacts are online, idle or unavailable, but as more people sign in from mobile devices, it's becoming harder to tell when someone is actually online at a computer or just connected with their phone. The Green Robot feature in Gmail Labs helps you spot when you might want to tailor your exchanges with more succinct messages for people who are signed in with Android-powered devices. Look for the green beaker icon at the top of Gmail to enable Green Robot and other Labs features.

Site templates
On Tuesday we launched templates for Google Sites. The templates gallery is filled with useful example sites ranging from wedding websites to corporate intranets, which you can copy and customize so they're just right. This lets you create a useful, visually appealing collaborative workspace in seconds. And if you have a great site other people would find useful, you can submit it to the gallery. If your business uses Google Sites, templates you submit stay private within your company.

More overflow storage for less
If you're using Google Apps to store photos and manage large volumes of personal email, you'll be happy to hear we're now offering more extra storage for less. Our new overflow storage plans start at $5 per year for 20 GB. For the most avid shutterbugs, the 16 TB plan is enough space for roughly 8 million high resolution pictures!

Improvements to Sync for Outlook
Last week, we released an update to Google Apps Sync for Microsoft Outlook, our tool that lets companies stop running Microsoft Exchange while still letting some employees use the familiar Outlook interface. Now, employees can sync multiple calendars between Outlook and Google Apps, and look up free/busy information from Exchange for co-workers who haven't migrated to Google Apps yet.

Google Apps Premier Edition innovation – Year in review
Businesses using Google Apps not only save money compared to running their own email systems, but also their employees get access to innovation at a much faster pace than with conventional business technologies. We've launched over 100 improvements to Google Apps in the last year, and on Thursday I hosted a webcast to recap noteworthy recent updates for businesses, including push email, contacts and calendar support for BlackBerry, iPhone, Windows Mobile and Android, Sync for Microsoft Outlook, offline access and more. If you missed the webcast, you can watch it on YouTube.

This post is written by R.John Christy for

Perfios : Feature Update


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We covered highly useful online Personal Finance Manager Perfios, here and here. Recently this service adds following new features.

  • Now support auto-update for Citibank DMAT, DBS Cholamandalam Securities, Karvy Equities, Bank of Baroda, Punjab National Bank and HDFC Mutual Fund.
  • Now you can automatically add your online SBI PPF accounts under Savings Banks.
  • The community section of the application has been discontinued as they intend to roll out an improved version in a forthcoming release.
  • IMPORTANT Change: You do not have to enter your MF/Equity holdings anymore. Perfios derives your holdings automatically from transactions. However when your transactions are not in order, your holdings may not show up accurately. Click on "Check Transaction" in the respective transaction view to see the errors. Fix them and your holdings are automatically fixed. In case you do not have any transactions, manually enter holdings and they will remain intact.
    What you can expect in upcoming releases:
    1. WAP/Mobile support to access Perfios service.
    2. Group Support – Want to provide a read-only view to your spouse or your chartered accountant? This is the feature that will help you do it.
    3. SMS alerts.
    4. Intelligence – Perfios will automatically try to make sense of your assets and liabilities and provide you with insightful and “actionable” information nuggets.

    Source : Their service update email

  • Note : Perfios team also launched MyClients – A product specifically developed to help wealth managers manage their clients’ portfolios better.

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    How to invest in Mutual Funds online with out any charges?

    Mutual fund

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    SEBI has banned entry load in Mutual Funds. Media reports suggested that Mutual Fund Advisers and intermediaries are unwilling to serve new customers in the post “No Entry Load” scenario.  Even reputed online brokerages like Religare started to charge the online MF transactions. In this changed situation this post attempts to explain some free and convenient options to invest in various Mutual Funds.

    How to choose best Mutual Fund Schemes?

    Previously you might have relied on the “MF Agent” turned Advisors who have huge conflict of interest. Naturally he advice you New Fund Offers and the schemes that pay higher commission to him irrespective of your need. In this internet era, you can find reliable advices in some reputed sites like value research online. You can also consult print magazines like Outlook Money, The Hindu Business Line, etc.,  We recommend that you can consult all the above three to make sensible investment decisions.

    How to invest online?

    Almost all the online stock brokers offering facilities to invest online after initial one time registration and paper work. The chosen intermediary should be large, reputed, offer online fund transfer facility from number of banks, tie-up with large number of fund houses, research facility and allow investment with out any extra charges.

    We choose following two online brokers which satisfy all the above conditions.

    1 India Infoline

    2 Sharekhan 

    Sharekhan even allows you online SIP facility.

    Readers can add their ideas in the comments section.

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    MSOffice 2010 Beta released as Free download

    Image representing Windows as depicted in Crun...

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    Microsoft today released it’s Beta version of office suite.

    Here’s what you need to have*:
    • Internet access (to download Office Professional Plus 2010 Beta and get updates)
    • A PC with these minimum recommended specifications:
      • 500 MHz 32-bit or 64-bit processor or higher
      • 256 MB of system memory or more
      • 3 GB of available disk space
      • 1024x768 or higher resolution monitor
      • DVD-R/W Drive
    • Supported Operating Systems:
      • Windows XP with Service Pack (SP) 3 (32-bit)
      • Windows Vista with SP1 (32-bit or 64-bit)
      • Windows Server 2003 R2 (32-bit or 64-bit)
      • Windows Server 2008 with SP2 (32-bit or 64-bit)
      • Windows 7 (32-bit or 64-bit)

    *Please note these specifications could change.

    Get the download

    After registering, you will be able to select the version (we recommend 32-bit which runs great on both 32-bit and 64-bit versions of Windows) and your software language. Downloading the Office Professional Plus 2010 Beta could take an hour or more. The exact time will depend on your provider, bandwidth, and traffic. The good news is that once you start the download, you won't have to answer any more questions – you can walk away while it finishes. If your download gets interrupted, it will restart where it left off.

    Once the download is complete, launch the downloaded file and follow the set up instructions.

    You can download the software from here

    It may take upto 1 hour to download approx.700MB file. It may take another 30mins to install.

    Please note that Google calendar sync in not working with Outlook2010 Beta.

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    Watch out for the banking, pharma and tyre sectors : Nirmal Bang

    Isoptin® 240mg RR Retard and Verapamil 80 - 1A...

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    Investors should use this opportunity to watch out for the banking, pharma and tyre sectors as they look attractive. Stocks that look good for investment and which can be bought at the current prices and on declines are State Bank Of India (SBI) (LTP: Rs 2,204), Torrent Power Ltd (LTP: Rs 339), Gujarat State Petronet Ltd (GSPL) (LTP: Rs 89), Bharat Electronics Ltd (LTP: Rs 1,608), Dr Reddys Laboratories Ltd (LTP: Rs 1,067) Aurobindo Pharma Ltd (LTP: Rs 818) Lakshmi Machine Works Ltd (LMW) (LTP: Rs 1,406), JK Tyre & Industries Ltd (LTP: Rs 161) and Apollo Tyres Ltd (LTP: Rs 54).

    For full report, Please click here.

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    Yahoo does it again : Shutting down Yahoo Go!

    Yahoo! Inc.

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    Yahoo systematically shutting down it’s services. The list includes Geocities, Briefcase and 360. The latest causality.  Yahoo Go! It’s mobile application.

    Dear Yahoo! Go user,

    Yahoo! Go will be discontinued on January 12, 2010, at 12:00 a.m. PST, so that we may focus on simplifying and enhancing your future mobile Web experiences. After this date, you will no longer be able to use Yahoo! Go 2.0 or 3.0 from your mobile phone.

    We encourage you to visit the new mobile homepage from your mobile browser to access an even richer, more personalized Yahoo! experience.

    We appreciate your support and thank you for using Yahoo! Mobile services.

    For more information and customer support, please visit the help center from your PC.

    The Yahoo! Mobile team

    One day they may close Yahoo Mail and merge it with Windows Live Mail.

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    Cox & Kings IPO : Invest at Cut Off

    Cox & Kings

    Image via Wikipedia

    Issue details
    Issue opens : November 18, 2009
    Issue closes : November 20, 2009
    Issue size : Rs584.5 crore to Rs610.4 crore
    Offer size : 1.85 crore shares, forming29.4% of post-issue shares
    Face value : Rs10
    Price band : Rs316-330 per share

    Cox and Kings Ltd (CKIL) is coming out with the public issue of 1.85 crore shares. Of the total issue, the offer for the sale of shares by the existing stakeholders (including Lehman Brothers Opportunity, Deutsche Securities Mauritius and Merrill Lynch Capital Markets Espana, SA, SV) constitutes around 30 lakh shares. The remaining fresh issue of 1.55 crore shares would help the company to raise Rs488.2 crore to Rs510 crore (at the lower and the upper end of the price band respectively).

    At the lower end and at the upper end of the price band CKIL is discounting its trailing 12-month earnings per share (EPS; based on pre-IPO equity capital) estimate by ~17.1x and ~17.9x respectively compared with 48.5x for its closest Indian peer, Thomas Cook (India).

    Comparing it’s position in the industry  and compelling valuation make us to recommend this IPO. Invest at CutOFF.

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    Google Ad Planner Publisher Center: Google way to reach advertisers 

    Inside AdSense: Google Ad Planner Publisher Center: Take advantage of new ways to reach advertisers

    Any publisher can use the Publisher Center, but the user interface is currently only available in English.

    Claim your subdomains
    You can now claim subdomains, such as, in Google Ad Planner. Your site's subdomains can also appear in Google Ad Planner to give advertisers a more detailed view of your site for their media planning. Learn how to claim your sites in Google Ad Planner.

    Share more Google Analytics metrics
    With expanded the type of Google Analytics data you can share with Google Ad Planner,You can opt-in your page views, unique visitors (cookies), total visits, average visits per visitor, and average time on site, which ensures potential advertisers see the most accurate information for your site. Learn how to share your Google Analytics data.

    Delegate site ownership
    Managing your website profile in Ad Planner has just gotten easier. You can now invite additional users to edit and maintain your Google Ad Planner site profile.

    Display an Ad Planner badge
    Highlight your Google Ad Planner profile by displaying our new badge on your site. Advertisers who click your badge will be brought directly to your Google Ad Planner site profile, where they'll find your traffic, demographics, and advertising information.

    This post is written by R.John Christy for

    TypePad Micro – Free Social Micro Blogging Platform


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    As part of our ongoing rollout of the NEW TypePad Typepad has pleased to announce  new social blogging features and the launch of TypePad Micro: a completely free level of TypePad focused on easy sharing of text, photos, and videos.

    A new form of blogging is emerging — somewhere between the status updates of Facebook and Twitter and the full-length posts of classic blogs — focused on being easy, fun, and connected. Think of this middle category as a bridge between blogs and social networks, tapping into the connectedness of networks with the freedom, control, and independence of blogs.

    To create your Free A/c, Please Click here.

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    Free heart surgery for Children


    Coconut water is good for health

    A coconut which has been stripped of its husk....

    Image via Wikipedia

    Here is some information about Coconut Water:

    'It's a natural isotonic beverage, with the same level of electrolytic balance as we have in our blood. It's the fluid of life, so to speak.'
    During the Pacific War of 1941-45, both sides in the conflict regularly used coconut water - siphoned directly from the nut - to give emergency plasma transfusions to wounded soldiers..
    Most coconut water is still consumed fresh in tropical coastal areas - once exposed to air, the liquid rapidly loses most of its organoleptic and nutritional characteristics, and begins to ferment.

    • Coconut Water is More Nutritious than whole milk - Less fat and NO cholesterol!

    • Coconut Water is More Healthy than Orange Juice - Much lower calories

    • Coconut Water is Better than processed baby milk- It contains lauric acid, which is present in human mother's milk

    • Coconut water is naturally sterile -- Water permeates though the filtering husk!

    • Coconut water is a universal donor-- Its identical to human blood plasma

    • Coconut Water is a Natural Isotonic Beverage - The same level we have in our blood.

    • Coconut water has saved lives in 3rd world countries thru Coconut IV.

    • Coconut water is the very stuff of Nature, biologically Pure, full of Natural Sugars, Salts, and Vitamins to ward off fatigue... and is the next wave of energy drinks BUT natural!', according to Mortin Satin, Chief of the United Nation's Food Agriculture Organization.

    • Coconut water contains more potassium (at about 294 mg) than most sports drinks (117 mg) and most energy drinks..

    • Coconut water has less sodium (25mg) where sports drinks have around 41mg and energy drinks have about 200mg!

    • Coconut water has 5mg of Natural Sugars where sports and energy drinks range from 10-25mg of Altered Sugars.

    • Coconut water is very high in Chloride at 118mg; compared to sports drinks at about 39mg.
      Data is based on a 100ml drink

    So please have plenty of coconut water

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    Indiainfoline’s new updated (14.11.2009) model portfolio

    337/365: The Big Money

    Image by DavidDMuir via Flickr

    IndiaInfoline has recently updated it’s most popular model portfolio. The details are

    S. No Company %
    1 Bajaj Auto 8
    2 BoB 7
    3 HDFC Bank 8
    4 IRB Infra 7
    5 ITC 8
    6 L&T 10
    7 NCC 8
    8 Reliance Capital 6
    9 RIL 10
    10 Simplex Infra 7
    11 Suzlon 8
    12 Welspun Guj. 7
    13 Yes Bank 6
    To read full report, please click here.
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    14th Novermber is World Diabetes Day

    'Diabetes causes amputations', warns poster

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    Diabetes is one of the fastest growing diseases in the world. The focus of the WHO (World Health Organization) 2009-2013 theme of World Diabetes Day is prevention of diabetes and education on diabetes. 14th Novermber is a World Diabetes Day. Diabetes is a growing concern for all of us and thus, we should take a step forward to get better informed about this most common yet a chronic disease. By adopting healthier lifestyle, we can prevent diabetes and protect the health of our family members. Read more to know about diabetes, the symptoms of diabetes and the ways to manage diabetes.
    Diabetes develops when the body does not produce proper insulin (a hormone produced in the pancreas) or cannot respond to it. In the absence of insulin, sugar level in the blood goes high and causes diabetes. Apart from this, both genetic conditions and environmental factors like inappropriate diet, lack of exercise and obesity cause diabetes.
    Eye-opening Statistics

    As per the recent case studies published by WHO (World Health Organization)on Diabetes, by 2030 over 80 million Indians will be affected by diabetes. The Times of India article on 6th November also reveals some shocking statistics. In the same article, Dr. Patel (from Ahmadabad, India) has quoted that "In 50 per cent cases, diabetes was diagnosed only when complications had set in. This is alarming considering that 60 per cent people with diabetes remain undiagnosed and do not know they have the disease." Thus, we need to understand the effects of diabetes and start preparing in advance to curtail the risk of diabetes.

    Types and Symptoms of Diabetes

    There are two main types of Diabetes.

    Symptoms of Type 1 diabetes are quite dramatic and show sudden impact. Type 1 diabetes is often recognized in association with some other illness or an injury and it is more common in children and adolescents. Symptoms include Nausea, vomiting, dehydration and serious disturbances in blood levels of potassium.

    Symptoms of Type 2 diabetes are subtle and show slow impact. This type of diabetes develops gradually, attributing to obesity and aging. Complications like nerve damage, kidney failure, blindness, heart diseases can develop if this type of diabetes is not treated properly.

    Some other common symptoms of both Type 1 and Type 2 diabetes include excessive eating, thirst and urination, unexplained weight loss, fatigue, poor wound healing, infections, blurry vision, altered mental status.

    Preventing Diabetes
    Healthy lifestyle can help us prevent the risk of diabetes. Healthy diet and regular exercise can reduce or cut off the need for being on constant medication. Make sure you follow right diet and add movement to your life. Following simple yet effective tips will aid you prevent diabetes.

    • Eat well-balanced diet that includes servings of vegetables, whole grains, fruits, milk, meat. Avoid fatty foods, desserts and alcohol
    • Exercise is a part of preventing diabetes. By exercising you can lower your cholesterol, and maintain good health
    • Get a regular check-up done. Glucose control is must. Consult your physician on a regular basis

    Diabetes can be controlled. Try preventing it. With prevention, you can enjoy many more sweet moments with your family. Take care and live longer.

    Thanks to : ICICI Lombard

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    Get your email into your mobile phone without GPRS:


    Image by Akbar Simonse via Flickr

    Get your emails into your normal, standard mobile phone without GPRS and No Installation is required for the same. Apart from getting your emails, Mobee lets your reply to your emails, Send emails and send frequently required documents as attachments from the same normal phone.

    Mobee is a unique offering for the Corporate and enterprise customers wherein you can stay connected to your official emails anytime everywhere without any GPRS connection and No Installation is also required for the same. It works in both the platforms, CDMA and GSM. And there is no operator limitation as it works with all the service providers in India. It makes your official email communication more organized and responds faster in your existing normal, standard mobile phone making it smarter.

    Plan Details

    mobee - get all your emails on your mobile via SMS, FREE email2sms, sms2email, mail forwarding to SMS, FREE Email to SMS, SMS to email_1258127023525

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    Don’t follow Pink Paper Mechanically

    Some of us trust Pink Papers like The Economic Times blindly and follow stock recommendations published in it. But it may not be a prudent decision for more than one reasons. For example, The Economic Times has published the following recommendation on HDIL.

    Recommendation: Buy
    Last Close: Rs 366
    Target: Rs334
    Stop Loss: Rs380
    After taking support at Rs 288, HDIL bounced back sharply and made a high of Rs 380 on Thursday but closed weak. On the daily chart, the stock has made a ‘dark cloud cover’ pattern and stochastic oscillator has given a sell.

    Top 5 Picks of the Day - Pictures - News in Pictures - Economic Times_1258075300992

    Google Adsense Site maintenance on Saturday, November 14 for 4 hours

    Inside AdSense: Site maintenance on Saturday, November 14
    This Saturday,Google will be performing routine site maintenance from 10am to 2pm PST. You'll be unable to log in to your AdSense and Ad Manager accounts during this time, but Google continue serving ads to your pages and tracking your clicks, impressions, and earnings as usual. In addition, your ad targeting won't be affected.

    The maintenance start time for a few cities around the world:

    Toronto - 1pm Saturday
    Buenos Aires - 3pm Saturday
    Cape Town - 8pm Saturday
    Moscow - 9pm Saturday
    New Delhi -11:30pm Saturday
    Melbourne - 5am Sunday

    If you'd like to learn more about what goes on during these maintenance periods, check out this Inside AdSense post.

    This post is written by R.John Christy for

    Giftmate offers you Rs.25 additional talk time

    Perpetuum mobile gift (includes rubber duck)

    Image via Wikipedia

    GiftMate is a mobile gifting service offered by PayMate, a mobile payments company. GiftMate is a Gift voucher on the mobile which can be sent instantly to any mobile in India and can be used to pay at over 10000 retail and online merchants for just about anything. GiftMate vouchers are simple, secure, and convenient, giving users a wide range of shopping choices.

    This offer is available when you recharge your mobile using GiftMate! When you recharge your mobile for Rs. 100 with GiftMate, you will get an additional Rs. 25 talktime in your GiftMate account! This bonanza can’t go on forever so take advantage today until December 31st 2009! For more details, click here:

    You can also get Rs 50 cash back when you book a movie ticket with GiftMate?! It’s a really cool offer but you must hurry as it’s only on NOW till 31st December. The best bit about this offer is that you can take advantage of it as many times as you like! For more details, click here:

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    Stockezy: Social investing community designed to connect Indian Stock Market investors

    Image representing stockezy as depicted in Cru...

    Image via CrunchBase

    Facebook like platform. Twitter like convenience. Participation of ace investors and financial blogger. Stockezy provides free platform and tools to make you rich through stock investing."The motivation behind stockezy is to harness the collective wisdom of all individual investors and build a community of people, who can help one another to invest better.”

    Unlike other message boards, the tools provided by stockezy would definitely help you to find trustworthy investors, buy and sell recommendations and news sources.Users can form community discussion groups on topics based on common goals and mutual interests.It also provide a collection of business news, blog postings, articles written or hand-picked by your closest friends and relatives. Moreover it is all FREE.

    We recommend our readers to use this useful site.

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    It is only a speed breaker : Sharekhan

    how darkness pursues the light

    Image by ecstaticist via Flickr

    Some of the key palpable positives outweigh the negatives. Firstly, the leading indicators (cement production, commercial vehicle sales, goods traffic, industrial production, exports etc) continue to report better numbers. Secondly, the outlook for the Q3 and Q4 earnings seasons is much better as in these quarters Indian companies would benefit from the anticipated improvement in the macro environment coupled with a favourable base effect.


    • ISMT: On a seamless growth path
    • Zydus Wellness: Wealth in health



    • 3i Infotech: Price target revised to Rs105
    • Allahabad Bank: Price target revised to Rs144
    • Andhra Bank: Price target revised to Rs135
    • Apollo Tyres: Price target revised to Rs66
    • Bajaj Auto: Price target revised to Rs1,715
    • Bajaj Finserv: Price target revised to Rs398
    • Bajaj Holdings & Investment: Price target revised to Rs824
    • Bank of India: Downgraded to Reduce
    • Bharat Heavy Electricals: Price target revised to Rs2,568
    • Crompton Greaves: Price target revised to Rs386
    • Glenmark Pharmaceuticals: Upgraded to Buy
    • Housing Development Finance Corporation: Price target revised to Rs2,866
    • ICI India: Book profits
    • Infosys Technologies: FY2010 guidance raised, currency swings remain a concern
    • Mahindra & Mahindra: Price target revised to Rs1,039
    • Marico: Price target revised to Rs105
    • Maruti Suzuki India: Price target revised to Rs1,700
    • Orbit Corporation: Upgraded to Buy
    • Punjab National Bank: Price target revised to Rs934
    • Reliance Industries: Price target revised to Rs2,140
    • Unity Infraprojects: Price target revised to Rs533
    • Wipro: Price target revised to Rs656
    • WS Industries India: Book profit
    • Zee News: Suspend coverage


    Thanks to : Sharekhan

    For Full report Please Click here

    Choose which messages get downloaded for offline use : Gmail New Feature

    Official Gmail Blog: Choose which messages get downloaded for offline use
    Now Gmail Offline gives you more control over the messages that would be made available for offline access. From now on, once you enable Offline Gmail from the Labs tab under Settings, you can choose which messages get downloaded. On the Offline tab under Settings, you'll see your current settings and be able to set how much mail you want to download from each of your labels. I chose to download everything in my Inbox and important labels, as well as recent messages from the last month from other labels.

    When you hit save, Gmail will synchronize new messages you didn't have downloaded before and remove the ones you're not planning to read from your hard drive. You can always change your settings back to keep fewer or more messages later on -- fewer messages means Offline Gmail runs faster.

    This post is written by R.John Christy for

    Again proved to be correct

    BSNL introduces 49paisa/min for all calls

    With BSNL Special Tariff Voucher @Rs.49, you can call any one in India for 49paisa/min. AMS also 49paisa/min. To avail this offer, you have to recharge STV Rs.49 before 30.11.2009


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